Medical Payments Coverage in a Connecticut Auto Insurance Policy

Medical payments coverage in Connecticut auto insurance policies is an optional feature, but I will better explain what this coverage does and if it is worth carrying on your CT car insurance policy. Determining what coverage and which limits to carry on your auto insurance policy can be tricky. Understanding your coverage for auto insurance policies is easier for CT residents once you have a basic understanding of medical payments options.

Definition Of Medical Payments Coverage

Medical payments coverage is defined as an optional coverage in CT that pays for medical expenses for all passengers in your vehicle, regardless of fault. These medical expenses include dental, hospitalization, funeral expenses, and in some cases, will even cover if you are a passenger in another vehicle.

This coverage differs from PIP (Personal Injury Protection) because it does not include loss of wage or some of the other broader coverage that PIP does. Finally, this coverage reads at a per person and per accident amount. For example, if your medical payments are set at $5,000 then each person would be covered up to $5,000 for medical expenses per accident.

Are Medical Payments A Necessary Coverage In CT?

It is important that before adding on medical payments to your policy that you consult your health insurance policy first. Often times your health insurance will cover much of these expenses for you and your family.

However, if your health insurance would not cover your medical expenses in an accident or makes you pay a large deductible first, it would be a good idea to include medical payments coverage on your policy. This way you and all of your passengers will be covered if an accident happened and bodily injury occurred.

Find Medical Payments Coverage In Connecticut Today!

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